Call reports 2014
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2014
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 327,960,000 | 330,865,000 | 337,317,000 | 344,448,000 |
| Total loans | 234,127,000 | 244,123,000 | 253,705,000 | 259,070,000 |
| Allowance for loan losses | 2,663,000 | 2,577,000 | 2,689,000 | 2,621,000 |
| Securities available for sale | 54,202,000 | 47,219,000 | 43,789,000 | 45,006,000 |
| Securities held to maturity | 20,378,000 | 19,430,000 | 18,719,000 | 20,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,622,000 | 285,587,000 | 291,422,000 | 299,608,000 |
| Interest-bearing deposits | 247,035,000 | 252,656,000 | 252,625,000 | 252,294,000 |
| Noninterest-bearing deposits | 36,587,000 | 32,931,000 | 38,797,000 | 47,314,000 |
| Equity capital | 31,674,000 | 32,218,000 | 32,493,000 | 32,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,537,000 | 5,204,000 | 7,944,000 | 10,822,000 |
| Interest expense | 291,000 | 584,000 | 875,000 | 1,164,000 |
| Net interest income | 2,246,000 | 4,620,000 | 7,069,000 | 9,658,000 |
| Noninterest income | 426,000 | 937,000 | 1,405,000 | 1,888,000 |
| Noninterest expense | 1,562,000 | 3,172,000 | 4,781,000 | 6,474,000 |
| Provision for loan losses | 148,000 | 73,000 | 210,000 | 176,000 |
| Pretax income | 962,000 | 2,307,000 | 3,478,000 | 4,891,000 |
| Income tax | 335,000 | 810,000 | 1,220,000 | 1,730,000 |
| Net income | 627,000 | 1,497,000 | 2,258,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,113,000 | 31,634,000 | 32,045,000 | 32,596,000 |
| Total capital | 33,776,000 | 34,211,000 | 34,734,000 | 35,217,000 |
| Risk-weighted assets | 237,892,000 | 250,446,000 | 261,136,000 | 265,288,000 |
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